---
title: How is affordability assessed?
description: Find out how Homeppl assesses affordability for Morro applicants, including income checks, variable pay and the 27 times rent threshold.
---
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2. [Application process](https://help.bymorro.com/application-process?hsLang=en-gb)
3. [Affordability criteria](https://help.bymorro.com/application-process?hsLang=en-gb#affordability-criteria)
# How is affordability assessed?
Affordability is assessed as part of the referencing process, which is carried out by **Homeppl**, Morro’s third-party referencing provider.
Homeppl will review your income documents and compare them with the monthly rent for the home you have applied for. Morro’s standard affordability threshold is a gross annual income of at least **27 times the monthly rent**.
If your income is straightforward, this may be assessed using documents such as recent payslips or an employer letter. If your income changes from month to month, for example because you are self-employed, freelance or receive variable pay, Homeppl may review your income over a period to establish an average.
You may be asked for extra information if anything needs clarifying. Responding promptly and providing clear documents is the best way to keep your application moving.
If you are unsure how your income will be assessed, contact the Morro team before applying. They can explain the process and help you understand your options.
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